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Full & final advice please
Hi we have been fortunate to have been offered some money by my in laws to help us clear our debt. Theres not enough to clear everything but would like to offer one of our main defaulted accounts a final offer In terms of where the funds came from will we need to divulge the source and will in laws be contacted at any…
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Telemessage from BT
Hi, I received a second telemessage yesterday, from BT, saying I owed them £42 , the first one had said £12 . When I put my details in on the bt website, it comes up with a different account number, which is why I ignored the first one. I changed from bt to ee around 2 years ago, and pay by direct debit. Should I continue…
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Nearly debt free!
I've worked hard to pay off my credit card debts over the last few years. At the highest it was £12K. I now have just over £300 left to pay off on my last credit card and to clear my overdraft. There is light at the end of the tunnel, stick with it and use all the help you can here. I am slowly learning to avoid unhealthy…
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In serious trouble, advice pls!
Hi, First time posting on a forum so not sure if it's in the right place! Anyway.... I've got myself into a pretty awful situation and have come to realise it's time to deal with it and stop burying my head in the sand. I'm a self employed plumbing and heating engineer and started on my own 9yrs ago. My money management…
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Problems with a debt collector not doing their job
Hi, I am looking for some advice. My letting agent has employed a debt collector as my tenant has not been paying her rent. Everything has been done by the book and notice served and now we need to get a possession order. However the debt collection agency have been paid and have the money for the court fees since 18th…
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Debt Free Christmas Idea
I have had an idea for a campaign that I think would work really well and help people falling into debt over Christmas... We already have some regular bills that are spread over 10 months rather than 12, with no payments in Feb / Mar, but how about if the MSE team could approach all the major utility providers and councils…
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Credit Agreement Help
Hello I hope i'm posting this in the correct place. A debt collection company has begun sending me letters chasing debt owed to a catalogue company. I asked them to provide proof of the debt and they sent me a credit agreement. At no point have I ever accepted this debt as I dispute the amount. The credit agreement has…
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Spreadsheets
Morning Peeps, Does anyone have a spreadsheet that they don't mind throwing my way?? I have one that I use, but I think it needs refining, so I'm after ideas to possibly improve it. Thanks you lovely lot Pmo2 X
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Advice desperately needed please
Hi, not posted on here for some time. I have got myself into something of a pickle and not sure what to do. Following the breakdown of my marriage 3 years ago and the time since, I have managed to run up unsecured debts of around 35k. I brought some debt with me after my marriage broke up and over the last 3 years it has…
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He got a CCJ that is nothing to do with him...
Hi, My 22 year old son and his heavily pregnant wife have just been turned down for a private flat rental because the credit search threw up a CCJ supposedly in his name. It turns out that the debt was his mother's and it was simply in the name of Mr. Smith in error. The debt [nearly £3000!] was accrued from his mother's…
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So here i am again......
So I've just been given my 5 year MSEversary notification yet i am in a much worse situation than i was 5 years ago. What have i actually been doing??!! i'm so angry with myself right now but so determined to change for the better. I now have 2 girls who i need to get debt free for. we live in a 2 bed flat and our long…
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Council Tax Debt help with Bristow and Sutor
Hi I have an outstanding council tax debt from Richmond Council which has now been passed to Bristow and Sutor. I havent arranged any repayment plan with them (despite receiving several calls/letters emails from them) yesterday I received a letter hand delivered through my letterbox saying they had tried to collect the…
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Old BOS account
We had an account that caused us some debit with the Bank of Scotland many years ago. Most of the issues where down to the fact that BOS continued to charge interest after we defaulted. This was never taken to court for recovery, only passed on to collectors. Blair Oliver and Scott being the first one. The second being…
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Cabot and court letter
Hi, My partner has just received a letter from Northampton County Court Business Centre. The Claimant is Cabot Financial (UK) Limited and a solicitors by the name of Mortimer Clarke Solicitors LTD in West Sussex are also listed. The original debtor is Vanquis and makes reference to a date of 10/08/09 when a credit card was…
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Access Pre Paid Mastercard Advice
Need advice please . I got a card for travelling in Australia I topped it up and used it at shops and ATMs. The final day in Oz I went to withdraw 300 dollars and it took it off my account but the machine didn't give me it. Wasn't the end of the world I got home and got it refunded and 30 dollar good will gesture. I went…
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Are two defaults (from the same company) worse than one?
Hi Around three months ago I received a letter from my bank stating they not longer wished to do business with me and advising me I'd have 60 days to repay all overdrafts before my accounts were closed. I had 5 accounts with them and two overdrafts, it couldn't have come at a worse time as I had just started a 6 month…
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My journey to being debt free!
I am completely new to this. I have been burying my head in the sand and borrowing to pay off debt and having more outgoings than income! Anyway I decided enough was enough so I decided to contact all my creditors. I thought I will have a go and if it doesn't work I will contact stepchange but this is sort of like my own…
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Which to pay off first?
I've got two debit so (in addition to my mortgage): I'm paying off my boiler and owe £1832 (currently pay £39.80 per month), interest rate I see 11.30% per annum. Second is my credit card which is £1255, interest rate 24.8%. At the moment I'm in a position to be able to pay off £1000...which one would be best to pay off?…
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Omg feeling sick
Well I have today sat down and done a budget . I have been reading though the site and forum and think I will start a diary for my own ref and to motivate me . long and short is budget says I over spend by 500 a mth. I was expecting to be in the red but not by this much . I am self employed so income changes from week to…
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Overdraft
Hello, Hope this is in the right place. I was looking for some advice on reducing my overdraft (with ulster Bank) I've heard of a few people talking about 'restructuring' their accounts where the overdraft becomes like a loan that is paid off in monthly installments. Does it look worse to have a loan being paid off or an…
